Payment Processors
VisitOpen Klarna
Buy Now Pay Later
Klarna
Buy Now Pay Later that converts — smoooth shopping
Access
Moderate Access
Fees
Variable merchant fee ~2.99%–5.99% per transaction + fixed fee
Currencies
17+ currencies
Available in
45 countries
Benefits
- Proven to increase average order value and conversion rates (up to 68%)
- Offers Pay Later (30 days), Slice It (instalments), and Pay Now
- Klarna absorbs full credit risk — merchant always gets paid
- Available in 45 markets with 150M+ active shoppers
- Strong brand recognition especially in Sweden, Germany, UK, and US
- Buy Now Pay Later is the fastest-growing checkout method in EU/US
Downsides
- Merchant fees are higher than standard card processing
- Klarna can reject merchants in certain categories (nutraceuticals, adult, digital goods)
- Merchant service fee is non-negotiable at lower volumes
- Integration complexity higher than basic card processors
- Klarna retains customer relationship and marketing data
Moderate Access — How to Get Access
Requires business documentation and manual review — typically 2–7 business days.
- 1Apply at klarna.com/business — requires business registration and website
- 2Klarna reviews your industry, product type, and risk profile
- 3Technical integration via Klarna's SDKs or plugin for your platform
- 4Approval can take 3–14 days depending on market and business type
Best Company Structures
Netherlands BVUK LtdGerman GmbHUS LLCIrish LtdSwedish AB
Best Markets
SwedenGermanyUnited KingdomUnited StatesNetherlandsAustralia
Fee Structure
Variable merchant fee ~2.99%–5.99% per transaction + fixed fee; negotiable at volume
Klarna
45 countries